My Frugal Miser - June 2025 Expenses

Thanks to a fat sweepstakes deposit from Chumba Casino and job reimbursement income, June was a great month.  

• I spent less than $100 on food because I worked 23 days in June.  I am usually reimbursed for food when I'm on the road.
• I bought a lifetime alignment package for the car.  I also had to pay court costs for a traffic ticket that was dismissed.
• When I switched from an ACA health care plan I also cancelled my dental insurance.  In its place I paid $249 for a VIP plan directly with a new dentist.  The plan includes two cleanings, X-rays and a 20% discount on all services for a year.
• Clothing/ Personal Care was the most "frivolous" category in June.  I bought a 3 pack of reflexology sessions.  It's the one way I pamper myself.  I also bought a new shirt and some hygiene products.

Fun

We love adventures.  Spending on experiences makes us better humans.  

• I received a big deposit from Chumba Casino and then played the deposit (you have to play through it once before redeeming) to an extra $200.  This was offset slightly by the $400 I spent to upgrade our cabin to a balcony on our upcoming Scandinavian and Baltics cruise out of London.
• I pay for two AMC A-List subscriptions each month.

June Expenses:  $108

$462 Auto (service, gas, insurance, AAA, etc.)

$349 Bank Fees (annual fees on credit cards)
$357 Clothing/ Personal Care

($1,350) Fun (vacations, movies, gambling, alcohol, concert tickets) income this month

$89 Food

$442 Health and Dental

$43 Household/Home Repairs

$0 Unreimbursed Job Expense

($1,082) Reimbursed Job Expense income this month

$0 Interest Expense

$64 Miscellaneous (cat sitter, gifts)

$227 Taxes

$141 Utilities 

My Frugal Miser - May 2025 Income

May 2025 might have set a new record for income.  That eases some of the pain from all the money I spent last month.

Meeting income is higher than actual - on the last day of the month I received an advance for a 10 day meeting in June.  I also received pay for some work I did in April.  It was a perfect storm.

I received rent from both rental properties in Alabama. I also received three distributions from Realty Mogul.  

Open Door Capital continues to pay interest on the promissory note.  I also earn interest on the cash balance in my Self-Directed IRA. 

I redeemed $50 in credit card points.

May Income: $18,826

$12,099 Meeting Jobs
$0 Gig Apps (Rideshare, Food Deliveries, etc.)
$0 Amazon Deliveries

$4,513 Rental Income (Rental Expenses: $310)
$2,164 Interest Income

$50 Other Sources

Investment Accounts Change in Value: $3,890

My brokerage accounts were up in May.

My Frugal Miser - May 2025 Expenses

 I spent like a drunken sailor in May.  Some of that was pre-paying expenses, but there was some stupidity mixed in for good measure.

• Spending on food was okay because I worked 25 days in May.  I am usually reimbursed for food when I'm on the road.
• It's later than it should be, but I made an estimated tax payment to the IRS for the first quarter of 2025.
• I mentioned last month about the major changes I'm making to my healthcare.  In May I paid for 12 months access to my concierge primary care doctor.
• I prepaid for several months of home internet.

Fun

We love adventures.  Spending on experiences makes us better humans.  

• I foolishly went on a binge on Chumba Casino playing blackjack and lost a lot of money.  When you lose 9 out of 10 hands playing perfect strategy you start to question whether the game is rigged.
• I pay for two AMC A-List subscriptions each month.

May Expenses:  $10,428

$171 Auto (service, gas, insurance, AAA, etc.)

$147 Bank Fees (annual fees on credit cards)
$376 Clothing/ Personal Care

$1,715 Fun (vacations, movies, gambling, alcohol, concert tickets)

$254 Food

$1,693 Health and Dental

$6 Household/Home Repairs

$0 Unreimbursed Job Expense

$1,079 Reimbursed Job Expense

$0 Interest Expense

$472 Miscellaneous (cat sitter, gifts)

$3,897 Taxes

$618 Utilities 

My Frugal Miser - June Update on 2025 Goals

 I've made more progress towards my goals.  You can check out my goals for 2025.

Financial Goals

My first financial goal is to fully fund my 2025 ROTH IRA contribution.  As of April 21, I have fully funded the $7,000 annual cap.  

I want to add $1,000/mo. to my short term savings account.  I use this account for periodic large expenses like property taxes.  I have added $8,500 to this account in 2025, and I have automatic transfers of $500 every month, which means I will meet this goal.  

I also want to add $25,000 to my brokerage accounts this year.  I'll start focusing on this now that short term savings have been funded.

Fun Goals

I aim to spend NOTHING on fun this year by submitting sweepstakes entries to online casinos and cashing out the proceeds.  I've been working too much to write many entries but am still committed to this one.

The Other Stuff

I want to read a book a month.  I finished the third book, A Time for Mercy by John Grisham.  I'm now working on Maybe Someday by Colleen Hoover.

I haven't done anything with our mopeds.

I haven't started to learn to play and instrument.